Accidents happen. Almost everyone has gotten hurt outside of the confines of your home, whether it is at school, work, or on the road. No one wants to foot the bill. However, when you get hurt at work, there are certain responsibilities and obligations that your employer has to fulfill.
In SC, an employer with 4 or more full or part-time workers must have this coverage and the only exceptions are for businesses that have a payroll of less than $3,000 for the previous year, or for agricultural employees, railroads, and railway express companies and their employees. Unless your employer falls under these exemptions, you are entitled to benefits.
1. ALWAYS REPORT – If you are injured on the job, always report it to a manager or supervisor as soon as possible (within 90 days) either verbally or written and make sure that they fill out an accident report. It doesn’t matter if you think you are not seriously hurt or in need of medical help. Sometimes major injuries set in after the initial shock, just as it sometimes does with a car accident. Be sure to take note of the time and exactly what happened if you are in a position to do so. Also make note if there are any witnesses and if they are not co-workers, get their name and number.
2. SEEK MEDICAL HELP – Your employer cannot deny you medical care if you are hurt while on the clock. If you think that you need medical attention immediately, you are entitled to see a doctor or go to the hospital. However, make sure that you go to the doctors or hospitals that are pre-approved through your employer or the workers’ compensation insurance company they are covered under. Going to a facility that hasn’t been preapproved can delay reimbursement or cause no reimbursement at all if you have to pay out of pocket.
3. KEEP RECORDS OF TREATMENT, ETC. – Don’t rely on your employer or their insurance company to keep track of things. Get all your records and bills from treatment. Also take note of any time you have to miss due to appointments and miles travelled to get to each appointment. If anything goes wrong, take note of it. It is a good idea to have a file going so you can look back and see all that has happened.
4. SEEK LEGAL HELP – A good Workers’ Compensation Attorney can help you get the treatment you need to get back on the job. Sometimes insurance companies and/or employers can be difficult during this already stressful period. They often don’t want to send you to specialists or pay you for time missed. Workers’ Compensation laws are very intricate and can change often. So When Workers’ Compensation Doesn’t Want to Work for you, having an attorney on your side when being cornered by the insurance companies can prevent you from underestimating your claim. Here at The Lam Law Firm, we can work for you so that you can concentrate on the healing process. Contact us now to set up a free consultation for bold and dedicated legal representation.
Lam Law Firm, LLC •1335 44th Ave North • Suite 100 • Myrtle Beach, SC 29577
DISCLAIMER: The information contained on this page is for general information, only. It is not intended to be legal advice, nor should you make legal decisions based on this information. Please consult one of our attorneys to see how the law applies to your particular situation.